Simply obtained below tips when making a visitation to MCTF 2010 which was held at Mid Valley Exhibition Centre last Sunday.

► Understand the terms of the agreement before accepting a loan or credit card

► Set aside money each payday for emergencies

► Set a monthly limit for charges and stick to it

► Shop as carefully with credit as you do with cash

► Don't take on more monthly credit payments than you can affford

► Pay bills promptly to avoid penalties and to keep finance charges low

► Ensure you pay down enough monthly to keep your debt or credit card from ballooning

The JobStreet MCTF 2010 Contest is sponsored by Citibank Berhad

Other advices from me....

► Never ever start owning a credit card

► Opt for debit card such as from Maybank instead

► Never ever add supplementary card except the person is your family members

► Never ever add supplementary line to your phone line except the person is your family members